Overview of the Program from Insurance Programs of America
HotelPro is written through admitted and surplus markets to provide flexible placement options for hotel risks. IPOA underwrites hotels with a focus on modern construction and active loss-control measures, delivering capacity, tailored coverage extensions, and both auditable and non-auditable liability options. For agents, this program is an efficient market for clients that need higher limits, hotel-specific extensions, and underwriting that understands hospitality operations.
Ideal Accounts and Appetite
- Limited-service and full-service hotels, including select-service brands and independent properties
- Resorts, spas, and golf-course resort properties
- Interior and exterior-corridor hotels
- All construction types considered; hotels built after 1987 are preferred unless completely gut-renovated
- Accounts with demonstrated property protection (sprinklers, fire alarm systems) and established safety programs
Coverage Highlights and Advantages
- Property, General Liability, and Umbrella coverages tailored for hotel exposures
- Exclusive hotel insurance extensions that address hospitality-specific exposures
- Capacity up to $50 million
- Both admitted and excess & surplus (E&S) placement options — admitted availability in some states
- Liability available as auditable or non-auditable to fit different account structures
Underwriting Notes and Minimum Premiums
Underwriting emphasizes newer or renovated properties, robust loss-control practices, and manageable coastal exposure. Limited capacity applies in higher-tier coastal counties. Typical minimum premiums are as follows:
- Packages — $15,000 (Interior hotels: frame construction <$5M TIV if sprinklered)
- Property — $10,000
- Liability — $5,000
- Coastal Property (Tier 1) — $25,000
These minimums are program guidelines; final terms are subject to underwriting review and carrier appetite.
Territories and Availability
HotelPro writes nationwide. IPOA operates as a Managing General Underwriter and Excess & Surplus lines broker with placements available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Note: admitted availability is limited to some states and certain classes; where admitted capacity is not available, E&S markets may be used.
Why Work with IPOA on Hotel Business
- Specialized hotel underwriting and program design focused on hospitality risks
- Access to multiple carriers and high capacity up to $50M
- Hospitality-specific policy language and extensions not commonly available in general markets
- Hands-on underwriting and E&S placement capability for challenging or higher-limit accounts
Example accounts that fit HotelPro
- A 120-room full-service resort with on-site spa and golf course seeking combined property and liability placement with umbrella limits.
- An independent 80-room limited-service hotel recently renovated with a sprinklered frame and annual revenue within program guidelines that needs a streamlined package placement.
Frequently Asked Questions
What types of hotel accounts are the best fit for HotelPro?
HotelPro is designed for limited- and full-service hotels, resorts, spas, and golf-course resort properties. Properties built after 1987 or those that have been gut-renovated are preferred, and accounts with active loss-control measures (sprinklers, alarms, documented safety programs) typically place more competitively.
Is coverage admitted or non-admitted?
IPOA places HotelPro on both admitted and excess & surplus (E&S) markets. Admitted coverage is available in some states; where admitted markets aren’t available or the risk needs specialty terms, E&S capacity is used.
What minimum premium should agents expect?
Minimums vary by line and exposure. Program guideline minimums include: Packages $15,000, Property $10,000, Liability $5,000, and Coastal Property (Tier 1) $25,000. Final minimums and pricing depend on underwriting review and specific exposures.
Which states are eligible for placement?
HotelPro writes nationwide with availability in the states listed in the program materials. Some admitted options are state-dependent; IPOA also provides E&S solutions where needed. Check the current state list and market access before submission.
Need help placing an account? Connect with a market specialist.